When it comes to offering prices to customers, insurers will make their decision based on the risk of that customer making a claim. Some demographics, such as older or younger drivers, or those living in some areas of the UK will all fall into risk categories, and some insurers may choose not to cover these groups.

However, this is only the case for a small number of companies, and there will be insurers out there who will be willing to provide cover for some risk groups. Using a price comparison site like www.Confused.com, which works with over 150 insurers, is the best way to run a quote and find an insurer that is willing to provide you with insurance, and you can compare all of the prices in one place too so you can find the cheapest deal.